As the name suggests, YES Prosperity Rewards Plus Credit Card is an exceptional card that is designed to reward you every time you swipe your card. The credit card offers great discounts on dining, movies, and retails spends.
YES Prosperity Rewards Plus Credit Card key highlights
Get 1,250 reward points on spending Rs.5,000 before 30 days from the date of card issuance.
Enjoy accelerated reward points on birthdays, dining bills, international and online spends.
YES Prosperity Rewards Plus Credit Card fees and charges
Type of Fee
For YES Bank salary and savings account holders- 2.99% per month and 35.88% per annum.
For Non-YES Bank cardholders: 3.22% per month and 38.64% annually.
Cash advance charges
2.5% of the advance amount
Over limit charges
2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
Add-on card fee
Nil up to 3 cards
Late payment fees
Outstanding balance up to Rs.100- Nil
From Rs.101 to Rs.500- Rs.100
From Rs.501to Rs.5,000- Rs.400
From Rs.5,001 to Rs.20,000- Rs.500
Above Rs.20,000- Rs.700
Foreign currency mark-up charge
3.40% on the transaction amount
Duplicate statement request
Rs.100 per statement
Re-issue of lost or stolen card
Eligibility to apply for YES Prosperity Rewards Plus Credit Card
To be eligible to get a YES Prosperity Rewards Plus Credit Card, you need to fulfill the following eligibility criteria:
You should be a minimum of 21 years.
You should not be over 60 years.
You should be a salaried individual or self-employed.
Your minimum net monthly salary should be Rs.25,000.
If you are self-employed, your Income Tax Return should be Rs.5 lakh or more.
Or, you should have a fixed deposit with YES Bank.
Documents requited to apply for YES Prosperity Rewards Plus Credit Card
Any one of the documents
Voter ID card
Any one of the documents
Voter’s ID card
Income proof (For salaried)
Recent pay slips
Last 6 months bank statements
Income proof (For self-employed)
Recent ITR (Income Tax Returns)
Audited profit and loss statement
Duly-filed application form
Passport size photographs
Note: The above list is for reference only. YES Bank reserves the rights to ask you for additional documents if required. However, these are the general documents you will have to keep ready before you start filling the credit card application form.
FAQs on YES Prosperity Rewards Plus Credit Card
I want assistance to book a flight ticket. How do I reach the YES Bank concierge desk What information should I keep handy?
Please dial 1800119371 to reach the concierge desk. You will be asked to provide your full credit card number, your name, registered phone number, and your date of birth for verification purposes. You can also contact the YES bank’s credit card customer care department at 1800 103 1212.
Is there a maximum limit for the fuel surcharge waiver offered by my card?
Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.
Will I be charged with a fee when I redeem the accumulated reward points available on my YES Prosperity Rewards Plus Credit Card?
Yes. A reward redemption fee of Rs.100 will be levied when you redeem your reward points.
How do I know about the discounts and offers available on my YES Prosperity Rewards Plus Credit card?
Please visit YES Bank official website and click on “YES Privileges” to check out the latest discounts and offers your card offers.
Is YES Prosperity Rewards Plus Credit Card a contactless card?
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I have a credit card from YES bank but due to the crisis i am unable to use the card in online and offline purchases whenever i do the transactions, it shows declined. For the dining and 1+1 movie tickets, reward points purpose, i have chosen this card. They have given me a credit limit of Rs. 30000. Its a zero annual fee credit card.
I have not get a situation to call the YES bank customer care people. Its a care free credit card because its a life time free card so i don't need to worry about the fee waiver. When i compared to other bank, this is best to use so i don't need to track of the minimum transaction per year. I get a good reward points based on my transaction. I got my card within a week.
I have received a credit card offer hence i accepted their proposal. I'm satisfied with their credit limit and there is no annual fee on this card. I'm getting offers on this card while booking the movie tickets. I have been using this card for last 1 month. I got the card as per the committed time. If they increased the limit, it would be fine. I made the first month bill payment through online.
No particular reason for selecting the credit card from YES bank and the process is very fast. The given credit limit of Rs. 25000 is not satisfactory for me. I need to pay the annual fee of Rs. 500. The agent told me about the features of the credit card. They do sent a offer messages on a regular basis but i don't read it because i use the card very often for the normal or emergency purchase.
Reason behind for choosing the credit card from YES because my credit score is less but based on my Government job they have provided me this card. They gave me a good limit of Rs. 58K and Totally its a life time free card and after 6 months i can upgrade the credit card. I got my card on time. I just want a Edge card in future.
When i apply the credit card through online, YES bank is not giving me any proper response. YES bank did not contacted me not even once. There is no single call received from their people regarding the documentation or verification. There is no specific reason for choosing the YES bank credit card but there is no annual fee on this card for a life time.
They have offered me a YES bank credit card without having any annual charges thats the reason i opted for this card. Documentation process was worst because they have asked me to submit the physical documents including the kyc even though i have given all my documents via online. I rejected their procedure and un-realistic demands to get this card.
YES bank is offering me a annual fee waiver off card so that i had applied the credit card with them. I asked them to sent me a details of the offers and features but no one has sent me. It was a online application hence i didn't submit the documents in offline and no follow up from the bank after that regarding my credit card application.
For the additional card purpose, i had took the option from YES bank credit card. They have sent me a mail stating that I'm not eligible to get this card and i received the mail 3 weeks back. They didn't do any proper follow up. I have no idea about the credit card benefits. There was a annual fee for the first two years.
I have a different credit cards with me and to use a other card, i had applied the YES bank card but there is no proper reply from their customer care people regarding my credit card status. For the shopping and bill payment i have chosen this card. I have not given any documents and i just given my Aadhar number and PAN number. They haven't informed me about the rejected reason also.
YES bank branch is located nearby my home hence its easy for repayment and I'm getting different offers in the mall so that I have applied the credit card from YES bank. No one came to my place for collecting the documents. I'm getting 5% cash back offer for offline purchase.
When I do purchase a card, I will be getting some discounts on YES bank. My mother is having a saving account in this bank so it will be useful, hence I had availed the card. My friend has recommended me to take this card. I have given my documents with my friend when the executive came for collection. But I didn't get any follow up from their end.
Yes bank is providing me a life time free card and there is no annual charges. I have applied for the master card but i have received different card. I get a fuel waiver and shopping benefits. Credit limit is really good. Guy from YES bank came to my office for the verification but I felt, documentation process was too lengthy.
Since the service is good and the bank staffs are very co-operative i have selected the credit card from YES bank. There is no offers available on this card. I have received the credit limit of Rs. 30000 which is less for me. There is no yearly charges on this card. Documentation process was really good because i have sent through online but the verification was done in my home.
One of the executive called me and offered me YES bank credit card since i had a requirement, i availed this card. I got the card 1 month before. Executive explained me about the benefits at the time of purchase but i don't remember right now. They have provided me a limit of Rs. 30000. When i got the card, they have sent me a welcome kit. I'm satisfied with the bill due date and bill cycle.
Rate of interest is low so that i have purchased the credit card from YES bank. In online, i have uploaded all my documents. I have not received any call from bank regarding the rejection hence there is no proper follow up. There is no yearly charges for this credit card.
Its because of the better service and low rate of interest i have applied the credit card from YES bank. I do not know about the benefits of the card. I haven't produce the documents to them. From bank side they have rejected the card and they have not informed anything regarding the rejection name.
In YES bank, the customer care people are helped in me a exceptional way. Over due interest rate percentage is 36%. This is a life time free card. On a various website such as Amazon and makemytrip offer available apart from this i get a airport launch access 6 times in a year. So that i have selected this card. I am holding this card for just one month.
From YES bank at the time of purchase they said they will provide a limit of more than Rs. 2 lakhs but they have given me only Rs. 60000. There is no fee on this card. I do not aware of the benefits provided by this card. I have received the card as per their promised time but they haven't given me any kind of joining benefits. Totally, I'm disappointed about the card.
Actually service is very impressive as i compared to others thats the reason i have opted the credit card from YES bank. I can use the card in petrol bunks and shopping. There is no annual fee for this card. I already submitted the documents but still some more documents required which i cannot provide it now hence due to that it got rejected.